Envision Construct
ActiveSummary
Envision Construct has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €55k. Its solvency ranks better than 78% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency95▲+33
Growth52
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 1.41 in 2024; short-term debt: 30.4% and cash: 11.7% of total assets), and 30.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.6%
Return on assets
38%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-03-2026, 136 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
136 d early
2024
104 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▲ 120%
2024 · €46k
2024: €46k
2025: €102k▲ +120% vs 2024
2024 → 2025
Total assets
€146k▲ 17.5%
2024 · €124k
2024: €124k
2025: €146k▲ +17.5% vs 2024
2024 → 2025
Net result
€55k▼ 9.3%
2024 · €61k
2024: €61k
2025: €55k▼ -9.3% vs 2024
2024 → 2025
Working capital
€91k▲ 185%
2024 · €32k
2024: €32k
2025: €91k▲ +185% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€46k-€102k▲ 120%
2024: €46k
2025: €102k▲ +120% vs 2024
Operating result€70k-€70k▲ 0.7%
2024: €70k
2025: €70k▲ +0.7% vs 2024
Net result€61k-€55k▼ 9.3%
2024: €61k
2025: €55k▼ -9.3% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€11k ▼ 23.7%
Current assets
€135k ▲ 22.9%
Equity and liabilities €146k
Equity
€102k ▲ 120%
Debt
€44k ▼ 43.3%
Debt's share of the balance-sheet total falls from 62.8% to 30.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▲
2024 · €72k
Cash flow
€60k▼
2024 · €63k
Current ratio
3.05▲
2024 · 1.41
Debt to equity
0.44▼
2024 · 1.69
ROE
54.6%▼
2024 · 132.5%
ROA
38.0%▼
2024 · 49.2%
Interest coverage
59.38▼
2024 · 203.01
Debt ≤ 1 year
€44k▼
2024 · €78k
Income taxes
€15k▲
2024 · €9k
Staff costs
€176k▲
2024 · €109k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€124k€146k▲
Fixed assets21/28€14k€11k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23€11k€9k▼
Current assets29/58€110k€135k▲
Amounts receivable within one year40/41€55k€118k▲
Trade receivables40€54k€101k▲
Other amounts receivable41€1k€17k▲
Cash at bank and in hand54/58€55k€17k▼
Equity and liabilities
Total equity and liabilities10/49€124k€146k▲
Equity10/15€46k€102k▲
Contributions10/11€10k€10k=
Reserves13€36k€92k▲
Distributable reserves133€36k€92k▲
Amounts payable17/49€78k€44k▼
Amounts payable within one year42/48€78k€44k▼
Trade debts44€44k€15k▼
Suppliers440/4€44k€15k▼
Taxes, remuneration and social security45€9k€24k▲
Taxes450/3€9k€24k▲
Other amounts payable47/48€25k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€109k€176k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€14k€4k▼
Gross operating margin9900€195k€254k▲
Operating profit (loss)9901€70k€70k▲
Financial income75/76B€842€1k▲
Recurring financial income75€842€1k▲
Financial charges65/66B€352€1k▲
Recurring financial charges65€352€1k▲
Profit (loss) for the period before taxes9903€70k€70k▼
Income taxes67/77€9k€15k▲
Profit (loss) for the period9904€61k€55k▼
Profit (loss) for the period to be appropriated9905€61k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€55k▼
Transfer to equity691/2€36k€55k▲
To other reserves6921€36k€55k▲
Profit to be distributed694/7€25k-
Directors or managers695€25k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €109k | €176k | ▲ 61.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €4k | ▲ 123% |
| Other operating charges640/8 | €14k | €4k | ▼ 74.4% |
| Gross operating margin9900 | €195k | €254k | ▲ 30.2% |
| Operating profit (loss)9901 | €70k | €70k | ▲ 0.7% |
| Financial income75/76B | €842 | €1k | ▲ 25.4% |
| Recurring financial income75 | €842 | €1k | ▲ 25.4% |
| Financial charges65/66B | €352 | €1k | ▲ 255% |
| Recurring financial charges65 | €352 | €1k | ▲ 255% |
| Profit (loss) for the period before taxes9903 | €70k | €70k | ▼ 0.3% |
| Income taxes67/77 | €9k | €15k | ▲ 60.5% |
| Profit (loss) for the period9904 | €61k | €55k | ▼ 9.3% |
| Profit (loss) for the period to be appropriated9905 | €61k | €55k | ▼ 9.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €124k | €146k | ▲ 17.5% |
| Fixed assets21/28 | €14k | €11k | ▼ 23.7% |
| Intangible fixed assets21 | €4k | €2k | ▼ 36.0% |
| Tangible fixed assets22/27 | €11k | €9k | ▼ 19.1% |
| Plant, machinery and equipment23 | €11k | €9k | ▼ 19.1% |
| Current assets29/58 | €110k | €135k | ▲ 22.9% |
| Amounts receivable within one year40/41 | €55k | €118k | ▲ 114% |
| Trade receivables40 | €54k | €101k | ▲ 88.0% |
| Other amounts receivable41 | €1k | €17k | ▲ 1,250% |
| Cash at bank and in hand54/58 | €55k | €17k | ▼ 69.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €124k | €146k | ▲ 17.5% |
| Equity10/15 | €46k | €102k | ▲ 120% |
| Contributions10/11 | €10k | €10k | = |
| Reserves13 | €36k | €92k | ▲ 153% |
| Distributable reserves133 | €36k | €92k | ▲ 153% |
| Amounts payable17/49 | €78k | €44k | ▼ 43.3% |
| Amounts payable within one year42/48 | €78k | €44k | ▼ 43.3% |
| Trade debts44 | €44k | €15k | ▼ 65.1% |
| Suppliers440/4 | €44k | €15k | ▼ 65.1% |
| Taxes, remuneration and social security45 | €9k | €24k | ▲ 160% |
| Taxes450/3 | €9k | €24k | ▲ 160% |
| Other amounts payable47/48 | €25k | €6k | ▼ 78.2% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €61k | €55k | ▼ 9.3% |
| + Depreciation and write-downs630 | €2k | €4k | ▲ 123% |
| Operating cash flow (approximation) | €63k | €60k | ▼ 5.4% |
| Investment in fixed assets (approximation) | - | €-690 | - |
| Change in cash | - | €-38k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.05
Current ratio from 1.41 to 3.05; short-term debt falls from €78k to €44k.
31-12
Financial
Equity above €100kEq €102k ▲120%
2 profitable years in a row build equity to €102k.
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Aarschot · 1 establishment unit since 2023
Ground area
737 m²
Building footprint
170 m²
Parcel 24001A0173/00C002, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Envision Construct
since 20232.349.549.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24001A0173/00C002 | Flanders | 737 m² | 1 · 170 m² | 0.1 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 282 EUR awarded · 282 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 147 EUR | 282 EUR |
| 2024 | 1 | 135 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
4 live approvalsBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Machinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,307 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68121Development of residential building projects
41003General construction of other non-residential buildings
68122Development of non-residential building projects
43350Other building finishing work
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.